A judgement was ordered against me to a debt collector in the amount of 9,618.00 in March 2008 in IL. The original balance of the debt was 6,600.00. The judgement amount included interest, cost cost, attorney fees, which at March 2008 totaled 9,618.00. The debt collector was also awarded (so they say and have been receiving) a statutory 9% interest until the debt is satisfied. As of 12/7/2011, I have paid them 10,000.00 via wage garnishment. However, I still owe them a balance of $3,000.00. That means the total debt went from $6,600.00 to $13,000.00. My question is, can I file some sort of motion to have this debt satisfied? I don't see why I should have to pay them an additional $3,000.00. Of course, they said the monies received are first applied to interest and then the remainder is applied to principle, but in my mind, I've paid the court ordered debt amount of $9,618.00. I feel like I'm being taken advantage of. What can I do? What are my options? The company said they are not willing to accept a settlement on a garnishment, especially with the debt amount being so low (at this point). $3000.00 is a material amount in my bank account. Please help.

I am sorry but we are not attorneys so we cannot advise you about whether or not there is a motion you can file with the court so that you do not have to pay the additional $3,000. It would be best if you consulted with a consumer law attorney in your area who helps people resolve debt collection issues. An initial appointment should not be costly. Bring a copy of the judgment with you to the meeting.